You may want to submit a duplicate of one’s latest ITR that possess good BIR stamp. I believe for this you to definitely, you’ll have to see your RDO discover stamped.
If you find yourself an excellent freelancer otherwise a business owner, you might complete a duplicate of your own audited ITR and you will BIR stamp. We did not try out this one to since I wasn’t the one who removed the mortgage and that i didn’t donate to end up being co-debtor, but I think this would mean providing the current ITR, and only to take the latest secure front side, the bookkeeping guides, on the RDO.
If you find yourself working, you may choose submit the formal thirty days spend sneak old about 3 months just before day out-of software. Jay chose to submit around three in order to secure the offer, haha! The guy also filed his COE also them.
This really is into first step. Pag-IBIG often evaluate their submissions to check your own qualification to apply having a house mortgage.
Once you’ve registered such records online, you’ll receive a message prompting that purchase the latest processing commission. We paid down Php 1,000. Ensure that you print a copy of one’s confirmation of your own percentage. You’re going to have to provide it in order to Pag-IBIG , along with the almost every other standards, after you’ve already been welcome to go to its work environment as a result of email address otherwise a trip.
Here are the documents that you should give Pag-IBIG once you have started expected to submit your posts directly:
1. All of the unique copies of records you filed regarding the basic processes, except for the fresh selfie. You ought to have your own ID photocopied.
dos. A duplicate of Unique Strength find more away from Attorneys toward broker. (If the proprietor is not on Philippines)
The expense of notarization is determined by the fresh new agreed price point of the property specified on the price to sell.
They will together with ask when planning on taking their images along with your valid ID again. This time, it could be their staff who can use the sample.
Assessment phase
Due to the fact desk administrator seems more than your documents and you will sees no inaccuracies, you’re asked to pay for appraisal fee. I paid Php 2,000.
We had been informed to go to having a visit from 1 out-of their workers regarding the plan of the home assessment. What happens while in the household appraisal is because they will send agencies to help you inspect our home to find out if it matches its important and you can conditions.
It called 3 days before they decided to go to. The fresh new appraisers was in fact on put because of the 8AM. They ran inside, appeared the fresh proportions and you will failed to most keep in touch with us this much. They simply ran around to scan each area in the house.
Upcoming that was they. We were told to go to for their current email address whether all of our financing might have been accepted or perhaps not accepted; yet not, it already warned you your domestic we had been looking to buy was short of 1 meter in width on their criteria.
Mortgage Rejected
We acquired a message out-of Pag-IBIG formally saying that the new measurements of our house don’t meet its criteria, and that is one to. That has been the end of all of our sense……for now.
I considered sending in a page of reconsideration, however the email address demonstrably reported that we had to deal with the newest thing and you will commit to making the called for alter, which i did not. Therefore we must deal with our very own future and move on.
Oh well, no less than you will find attained a lifestyle experience that individuals can use in tomorrow and also to instruct our very own kids if it is their seek out buy their property. We had been, without a doubt, disturb, but we’re going to keep our very own expectations up to we eventually find the place we are able to call house.